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OKX Card (EEA) vs XPlace Card

OKX Card (EEA)

Crypto native

7.9
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XPlace Card

Crypto native

6.6
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 6.6 out of 10).
  • OKX Card (EEA) is clearly stronger on: Cashback & rewards.
  • XPlace Card is clearly stronger on: Product features, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

OKX Card (EEA) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards

XPlace Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Product features, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
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Review & sourcesOKX Card (EEA) vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOKX Card (EEA)XPlace Card
Fees99100
Cashback & rewards6536
Availability93–
FX & international100–
Product features5670
Custody & security7580
Credit & financing3075
Limits & ATM––
Transparency100100
Best for Cashback7.65.6
Best for Travel8.4n/a
Best for Self-Custodyn/a7.3
Best for DeFi Users7.07.2
Best for Stablecoins8.57.1
Best for High Spenders7.25.8
Best for Low Fees9.28.0
Best for Beginners8.27.7
Best Crypto Credit Cardn/a7.6

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Stablecoin cardShow source
Debit card, Crypto-backed creditShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Self-custodyShow source

Launch date

2026-01-28Show source
No data yet

Card issuer / program manager

UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

No data yet
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Monthly fee

FreeShow source
No data yet

Virtual card fee

FreeShow source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

No data yet

Crypto conversion fee

0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

No data yet

Cashback & rewards

Base cashback

2%Conditions apply: tap or hover for detailsShow source

Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

USDGShow source
USDCShow source

Cashback type

StablecoinShow source
StablecoinShow source

Interest on balance

No data yet
6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

Max cashback per month

€1,000/monthConditions apply: tap or hover for detailsShow source

Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450

No data yet

Cashback conditions

Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

No data yet

Reward exclusions

USDC payments earn no cashbackShow source
No data yet

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Available in

European Union, NorwayShow source
No data yet

Not available in

Iceland, LiechtensteinShow source
No data yet

Account / spend currencies

EURShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Spendable assets

USDC · USDGShow source
No data yet

Limits

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

Security & custody

Regulation / licences

OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source
No data yet

Deposit protection

NoShow source
No data yet

Annual cost at 1,500 EUR/month

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 EUR
  • Net annual valuenot enough data

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More OKX Card (EEA) comparisons

More XPlace Card comparisons